When knitting shop owner Kathy Samuelson's best friend drops out of their planned vacation, she finds herself trudging through rainy Scotland alone. Dependable and reliable Kathy has no expectation that a crazy prophecy about a blue coat and a man in a kilt will come true.

Then she meets gorgeous Calder. She's certain that he's spoiled rotten, and he's convinced that she's a sexy, sophisticated traveler named Kat. She decides to have a wild fling and then discovers that he's got secrets of his own.